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Retiring to Port Saint JoeMy husband are looking at PSJ as a possible place to retire to. We love everything we read about this area. What I am codue to thencerned about is Flooding in this area. Is this a constant recurring or rarely happening in PSJ? What about flood and hurricane insurance? We have not had to deal with this before. We are from SE Oklahoma and are very use to extremely hot and humid weather, so this is not really a concern. What about exterminator fees there since it seems to be an issue with bugs due to the warm, mild temperatures year around there? What about festivities and Christmas? I am looking forward to visiting the first week of September. Is there anything we should know about visiting this time of the year.